Phone:
(212) 503-2365(212) 503-2365
Industry Award WinnerOur Mission Statement
Preserving generational wealth with discipline & precision
A 13-person team dedicated to ultra high net worth families, providing comprehensive investment management, estate planning strategies, and wealth coordination.
A 13-person team dedicated to ultra high net worth families, providing comprehensive investment management, estate planning strategies, and wealth coordination.
Our Story and Services
What We Solve
Significant wealth does not create a single problem. It creates a constant stream of high-stakes decisions across investments, taxation, estate planning, liquidity, lending, and family dynamics. The Vinder Group is built to bring structure, discipline, and execution to that complexity.
1. Estate Tax Exposure & Generational Planning
For many of our clients, the most significant long-term risk is not market volatility, but transfer-tax erosion. We work closely with clients and their legal and tax advisors to support sophisticated planning strategies — GRATs, SLATs, QSBS planning, and philanthropic structures — designed to preserve wealth across generations while maintaining flexibility and control.
2. Liquidity Events & the Transition to Significant Wealth
Business sales, IPOs, secondary transactions, and other liquidity events represent defining financial moments. We help clients prepare for these transitions before they occur and bring structure to the wealth that follows, coordinating investment implementation, tax-aware planning, estate strategy discussions, and long-term capital deployment.
3. Concentrated Equity & Single-Asset Risk
For senior executives, founders, and long-term investors, wealth is often tied to a single company or concentrated position. We help clients reduce risk thoughtfully and tax-efficiently, balancing diversification, liquidity, and long-term planning without disrupting the broader architecture of their balance sheet
4. The Complexity of Institutional-Level Wealth
Our clients often include asset managers, senior executives, founders, and families with institutional-scale balance sheets. Their financial lives span multiple entities, jurisdictions, and asset classes. We provide centralized oversight, bringing clarity, coordination, and accountability to every component of that structure.
5. A Lack of True Coordination Across Advisors:
Many wealthy families have access to talented professionals but lack a single point of accountability. We solve this by coordinating directly with CPAs, estate attorneys, and trustees to ensure strategies are not only designed, but executed properly. Our role is often less about introducing new ideas, and more about ensuring the right things actually get done, with precision.
6. Day-to-Day Financial Complexity
Significant wealth creates constant operational demands: capital movement, reporting, tax documentation, charitable giving, estate implementation, and ongoing coordination across multiple parties. We take ownership of these responsibilities, allowing clients to operate with clarity and focus while knowing the details are handled at a high level.
7. Lending, Liquidity, & Balance Sheet Strategy
We advise on the full balance sheet, not just the investment portfolio. This includes structuring lending solutions, managing liquidity, and aligning assets and liabilities in a way that allows clients to pursue opportunities, meet obligations, and maintain flexibility without compromising long-term investment strategy.
8. Philanthropy & Strategic Giving
We help clients structure and execute their philanthropic goals with the same level of rigor applied to the rest of their financial lives, whether through donor-advised funds, private foundations, or coordinated giving strategies designed to long-term impact.
9. A More Disciplined Approach to Investing
Many ultra-high-net-worth portfolios accumulate unnecessary complexity over time: active managers, overlapping strategies, and tax inefficiencies driven by short-term thinking. Our approach is deliberately different. We focus on delivering market returns through disciplined, tax-aware, risk-appropriate portfolio construction, removing unnecessary friction and aligning portfolios with long-term objectives.
10. The Gap Between What Exists & What Should Exist
In many cases, prospective clients do not arrive with a single defined problem. They arrive with the recognition that their current advisory relationship is not operating at the level it should, whether in service, coordination, responsiveness, or overall sophistication. Once they see what a fully integrated, high-tough advisory relationship looks like, the difference becomes clear
We are not built for isolated issues; we are built for the full complexity of significant wealth, and for the clients who expect it to be handled accordingly.
Who We Serve
With a standard minimum of $50 million or more in investable assets, we work with families whose financial lives require a higher level of coordination, sophistication, and execution. Our clients are not defined by a single profile, but they share a common characteristic: their wealth has reached a level where it must be managed deliberately, across multiple dimensions, with precision.
Asset Managers & Financial Professionals
Partners, founders, and senior investors at private equity firms, hedge funds, credit platforms, and asset management businesses who require an advisor capable of operating at their level of sophistication, both intellectually and operationally.
Founders & Senior Executives
Individuals building or leading businesses, often approaching or navigating a liquidity event such as an IPO, acquisition, or secondary sale, seeking to convert concentrated, illiquid wealth into a long-term, tax-efficient structure.
Corporate Executives with Complex Compensation
Senior leaders managing equity-based compensation, concentrated stock positions, deferred compensation, and multi-year vesting schedules, requiring thoughtful planning and disciplined execution.
Multigenerational Families
Families coordinating wealth across generations, trusts, and entities, with a focus on governance, continuity, and preserving capital over time.
Institutional-Level Balance Sheets
Individuals and families with diverse assets — including private businesses, real estate, alternative investments, and externally managed portfolios — who require centralized oversight and coordination.
Leaders in Media, Entertainment & Culture
Select individuals in media, sports, and entertainment with high income, dynamic cash flows, and unique financial considerations requiring discretion, flexibility, and long-term planning.
Families Seeking a Higher Standard
Individuals and families who recognize that their financial lives have outgrown traditional advisory models, and who expect a higher standard of service, responsiveness, and execution.
We work with clients who value precision, discretion, and a fully integrated approach to achieving their goals - and who expect their advisory team to operate accordingly.
Capabilities
- Comprehensive Wealth Planning
- Asset AllocationFootnote1
- Investment Management
- Sustainable & Responsible InvestingFootnote2
- Family Governance & Wealth Education
- Philanthropy Management
- Consolidated Reporting
- Tax, Trust & Estate AdvisoryFootnote3
- Tailored LendingFootnote4
- Hedging Strategies
- 10b5-(1) Programs
- Pre-Liquidity Planning
- Risk Management
- Cash Management & LendingFootnote5
- Securities Based LendingFootnote6
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
About PWM
Founded in 1977, Private Wealth Management is the division of Morgan Stanley Wealth Management that is dedicated to serving the firm’s most affluent clients, including some of the world’s most accomplished entrepreneurs, executives and stewards of multigenerational wealth. Functioning as an exclusive investment boutique within a global financial firm, we deliver sophisticated solutions that leverage the intellectual capital and insight of Morgan Stanley’s substantial global resources. Drawing on a deep understanding of your financial life, our goal is to help you:
- Manage investments with an unwavering focus on your financial strategy and personal goals
- Create comprehensive, multigenerational wealth management plans based on your needs, challenges and the values that guide your life and legacy
- Simplify financial complexity to help you achieve clarity and control
Private Wealth Management Highlights
- Approximately 300 teams specialized in assisting individuals and families with $20MM+ in investable assets
- Over $1.2 trillion in AUM
- Comprising 26% of the Barron’s Top 100 Financial Advisors list for 2025
- Direct access to ultra high net worth experts in philanthropy, family dynamics, wealth transfer, lifestyle advisory and other areas of interest to ultra high net worth families
1 Morgan Stanley Wealth Management, September 2025
Source: Barron's (Awarded March 2025) This ranking was determined based on an evaluation process conducted by Barron's for the period Oct 2023-Sept 2024. Neither Morgan Stanley Smith Barney LLC nor its Financial Advisors or Private Wealth Advisors paid a fee to Barron's to obtain or use the ranking. This ranking is based on an algorithm that includes client retention, industry experience, review of compliance records, firm nominations, and quantitative criteria, including assets under management and revenue generated for their firms. Investment performance is not a criterion. Rankings are based on the assessment of Barron's and may not be representative of any one client’s experience. This ranking is not indicative of the Financial Advisor’s future performance. Morgan Stanley Smith Barney LLC is not affiliated with Barron's. Barron’s is a registered trademark of Dow Jones & Company, L.P. All rights reserved.
What We Solve
Significant wealth does not create a single problem. It creates a constant stream of high-stakes decisions across investments, taxation, estate planning, liquidity, lending, and family dynamics. The Vinder Group is built to help bring structure, discipline, and execution to that complexity.
Estate Tax Exposure & Generational Planning Strategies
For many of our clients, the most significant long-term risk is not market volatility, but transfer-tax erosion. We work closely with clients and their legal and tax advisors to support sophisticated planning strategies, such as GRATs, SLATs, QSBS planning, and philanthropic structures, designed to preserve wealth across generations while maintaining flexibility and control.
Liquidity Events & the Transition to Significant Wealth
Business sales, IPOs, secondary transactions, and other liquidity events represent defining financial moments. We help clients prepare for these transitions before they occur and bring structure to the wealth that follows, coordinating investment implementation, tax-aware planning, estate strategy discussions, and long-term capital deployment.
Concentrated Equity & Single-Asset Risk
For senior executives, founders, and long-term investors, wealth is often tied to a single company or concentrated position. We help clients reduce risk thoughtfully and tax-efficiently, balancing diversification, liquidity, and long-term planning without disrupting the broader architecture of their balance sheet.
The Complexity of Institutional-Level Wealth
Our client's financial lives often span multiple entities, jurisdictions, and asset classes. We provide centralized oversight, bringing clarity, alignment, and accountability to every component of that structure.
A Lack of True Coordination Across Advisors:
Many wealthy families have access to talented professionals but lack a single point of accountability. We solve this by connecting directly with CPAs, estate attorneys, and trustees to help ensure strategies are not only designed, but executed properly. Our role is often about ensuring the right things get done, with precision.
Day-to-Day Financial Complexity
Significant wealth creates constant operational demands: capital movement, reporting, tax documentation, charitable giving, estate implementation, and ongoing coordination across multiple parties. We take ownership of these responsibilities, allowing clients to operate with clarity and focus while knowing the details are handled at a high level.
Lending, Liquidity, & Balance Sheet Strategy
We advise on the full balance sheet, not just the investment portfolio. This includes structuring lending solutions, managing liquidity, and aligning assets and liabilities in a way that can help allow clients to pursue opportunities, meet obligations, and maintain flexibility without compromising long-term investment strategy.
Philanthropy & Strategic Giving
We help clients structure and execute their philanthropic goals with the same level of rigor applied to the rest of their financial lives, whether through donor-advised funds, private foundations, or coordinated giving strategies designed to long-term impact.
A More Disciplined Approach to Investing
Many ultra high net worth portfolios accumulate unnecessary complexity over time: active managers, overlapping strategies, and tax inefficiencies driven by short-term thinking. Our approach is deliberately different. We focus on delivering market returns through disciplined, tax-aware, risk-appropriate portfolio construction, removing unnecessary friction and aligning portfolios with long-term objectives.
The Gap Between What Exists & What Should Exist
In many cases, prospective clients do not arrive with a single defined problem. They arrive with the recognition that their current advisory relationship is not operating at the level it should, whether in service, coordination, responsiveness, or consistency. Once they see what a fully integrated, high-tough advisory relationship looks like, the difference becomes clear.
We are not built for isolated issues. We are built for the full complexity of significant wealth, and for the clients who expect it to be handled at the highest level possible.
Who We Serve
With a standard minimum of $50 million or more in investable assets, we work with families whose financial lives require the highest level of integration, sophistication, and execution. Our clients are not defined by a single profile, but they share a common characteristic: their wealth has reached a level where it must be managed deliberately, across multiple dimensions, with precision.
Asset Managers & Financial Professionals
Partners, founders, and senior investors at private equity firms, hedge funds, credit platforms, and asset management businesses who require an advisor capable of operating at their level of sophistication, both intellectually and operationally.
Founders & Senior Executives
Individuals building or leading businesses, often approaching or navigating a liquidity event such as an IPO, acquisition, or secondary sale, seeking to convert concentrated, illiquid wealth into a long-term, tax-efficient structure.
Corporate Executives with Complex Compensation
Senior leaders managing equity-based compensation, concentrated stock positions, deferred compensation, and multi-year vesting schedules, requiring thoughtful planning and disciplined execution.
Multigenerational Families
Families coordinating wealth across generations, trusts, and entities, with a focus on governance, continuity, and preserving capital over time.
Institutional-Level Balance Sheets
Individuals and families with diverse assets, including private businesses, real estate, alternative investments, and externally managed portfolios, who require centralized oversight and coordination.
Leaders in Media, Entertainment & Culture
Select individuals in media, sports, and entertainment with high income, dynamic cash flows, and unique financial considerations requiring discretion, flexibility, and long-term planning.
Families Seeking a Higher Standard
Individuals and families who recognize that their financial lives have outgrown traditional advisory models, and who expect a higher standard of stewardship, responsiveness, and orchestration.
We work with clients who value precision, discretion, and a fully integrated approach to helping achieve their goals, and who expect their advisory team to operate accordingly.
Passive. Disciplined. Unwavering.
The Core Belief
Markets are efficient over time. The returns available in global equity and fixed income markets are significant, impactful, and accessible without the cost, opacity, and inconsistency that come with active management.
Our job is not to outguess the market. Our job is to help ensure our clients capture their fair share of market returns with maximum tax efficiency, minimum cost, and a level of transparency that lets them understand exactly what they own and why.
The Origin
This was not a trend. It was a conclusion. Two decades ago, Ron Vinder made a deliberate and permanent shift in his approach to investing client assets. He moved away from active management, stock selection, manager speculation, and the pursuit of beating market returns and toward a passive, evidence-based investment philosophy that he has never wavered from since.
How We Invest
We build customized, strategic asset allocations for each client, reflecting their risk tolerance, time horizon, tax situation, liquidity needs, and financial goals across all entities.
We implement these allocations using low-cost, highly liquid, index-tracking ETFs across all major equity asset classes. For fixed income, we invest primarily in high-quality municipal bonds in the state where our clients reside to help maximize after-tax yield.
Tax Efficiency as a Core Discipline
For ultra-high-net-worth individuals in the highest tax brackets, after-tax returns matter. Every investment decision we make is evaluated through this lens. We aim to harvest tax losses during market dislocations, minimize portfolio turnover to reduce capital gains, structure fixed income allocations to maximize tax-exempt income, and coordinate every investment decision with our clients' broader tax and estate strategy.
Systematic Rebalancing
We set precise targets for each asset class and maintain them with disciplined, systematic rebalancing.
What We Don't Do
We do not pick individual stocks. We do not allocate to active money managers. We do not speculate on market timing, sector rotation, or macroeconomic predictions. We believe these activities introduce cost, risk, and inefficiencies without a reliable long-term benefit, and we are not willing to subject our clients' wealth to experiments we do not believe in.
Our conviction here is absolute, and it has served our clients well across market cycles.
Forward-Thinking
The Vinder Group has been at the forefront of integrating artificial intelligence into wealth management — not as a replacement for human judgment, but as a force multiplier for our team's capabilities.
AI-Enhanced Research & Analysis
We leverage AI to accelerate market research, portfolio analytics, estate planning scenario modeling, and client reporting — allowing our team to spend more time on strategy and less time on data processing.
Morgan Stanley's AI@MS Platform
In 2023, Morgan Stanley partnered with OpenAI to create AI@MS, an on-platform AI assistant meant to help support professionals increase efficiency while keeping client information confidential.
Private Market Access Through AI
We incorporate AI exposure through select ETFs, providing diversified access to leading innovators, while also leveraging Morgan Stanley's platform to offer clients access to private market opportunities in emerging AI-driven companies, including but not limited to Anthropic and OpenAI.
Location
55 East 52nd Street 10th
Fl
New York, NY 10055
US
Direct:
(212) 503-2365(212) 503-2365
Fax:
(646) 690-6400(646) 690-6400
Meet The Vinder Group
Amy Wood, CFP®
Executive Director, Wealth Management, Private Wealth Advisor, Family Wealth Director, Alternative Investments Director, Senior Portfolio Manager, Portfolio Management Director
Phone:
(212) 503-2386(212) 503-2386
Eddie Horta, CFP ®*
Senior Vice President, Chief of Staff
Phone:
(212) 503-2367(212) 503-2367
Costas Liappas
Senior Vice President, Group Director
Phone:
(212) 503-2364(212) 503-2364
Sal Glorioso
First Vice President, Director of Investments
Phone:
(212) 503-2379(212) 503-2379
Zack Wells
Assistant Vice President, Private Wealth Management Analyst
Phone:
(212) 503-2360(212) 503-2360
James Hulbert
Registered Client Service Associate
Phone:
(212) 503-2377(212) 503-2377
Eric Kirchner, CFP®*
Private Wealth Management Analyst
Phone:
(212) 503-2391(212) 503-2391
Ryann Tracy
Executive Assistant
Phone:
(212) 503-1191(212) 503-1191
Camila Hoz De Vila
Private Wealth Management Analyst
Phone:
(212) 503-2353(212) 503-2353
Sofia Laffont
Private Wealth Advisor
Phone:
(212) 883-8597(212) 883-8597
Cal Vinder
Private Wealth Advisor
Phone:
(212) 503-1154(212) 503-1154
Matheo Dwyer
Private Wealth Management Client Service Associate
Phone:
(212) 503-2323(212) 503-2323
About Ron Vinder
Drawing on three decades of financial service industry experience, Ron Vinder works with ultra-high-net-worth clientele comprised of entrepreneurs, executives, professionals and their families. With his team's focus to attention on a relatively small group of highly affluent families, they're able to deliver a high-touch experience by tailoring highly customized strategies based on each client’s specific needs and aspirations. He has specific knowledge and experience in estate planning strategies and family governance.
Ron graduated from the University of Maryland with a degree in Economics and began his professional career at Lehman Brothers in 1988. He was recognized by Barron’s as one of the Top 100 Advisors for eight consecutive years from 2018 - 2025. Currently, Ron is ranked as #6 on the Barron’s Top 100 Advisors list and #8 in New York State on the Barron’s Top 1,200 Advisors list. Ron has also been recognized by Forbes in their America’s Top Wealth Advisors 2018-2025. In 2025,Forbes ranked Ron #40 for Top Wealth Advisors and #11 for Best in New York City Private Wealth.
Ron is married and has two children, splitting his time between Manhattan and Southampton. He's an avid golfer, actively involved in many charities including Project ALS, UJA, and the Lustgarten Foundation for Pancreatic Cancer Research.
2018-2023 Barron's Top 100 Financial Advisors (formerly referred to as Barron's Top 1,000 Financial Advisors: State-by-State)
Source: Barrons.com 2018-2023. Data compiled by Barron's based on 12-month period concluding in Dec of the year prior to the issuance of the award.
Barron's Top 1,200 Financial Advisors: State-by-State
Source: Barron's.com (Awarded April 2023) Data compiled by Barron's based on 12-month period concluding in Dec of the year prior to the issuance of the
award
2018 Forbes America's Top Wealth Advisors
Source: Forbes.com (Awarded 2018). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of the year the award was issued.
2019-2023 Forbes America's Top Wealth Advisors
Source: Forbes.com (Awarded 2019-2023). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of the year the award was issued.
Ron graduated from the University of Maryland with a degree in Economics and began his professional career at Lehman Brothers in 1988. He was recognized by Barron’s as one of the Top 100 Advisors for eight consecutive years from 2018 - 2025. Currently, Ron is ranked as #6 on the Barron’s Top 100 Advisors list and #8 in New York State on the Barron’s Top 1,200 Advisors list. Ron has also been recognized by Forbes in their America’s Top Wealth Advisors 2018-2025. In 2025,Forbes ranked Ron #40 for Top Wealth Advisors and #11 for Best in New York City Private Wealth.
Ron is married and has two children, splitting his time between Manhattan and Southampton. He's an avid golfer, actively involved in many charities including Project ALS, UJA, and the Lustgarten Foundation for Pancreatic Cancer Research.
2018-2023 Barron's Top 100 Financial Advisors (formerly referred to as Barron's Top 1,000 Financial Advisors: State-by-State)
Source: Barrons.com 2018-2023. Data compiled by Barron's based on 12-month period concluding in Dec of the year prior to the issuance of the award.
Barron's Top 1,200 Financial Advisors: State-by-State
Source: Barron's.com (Awarded April 2023) Data compiled by Barron's based on 12-month period concluding in Dec of the year prior to the issuance of the
award
2018 Forbes America's Top Wealth Advisors
Source: Forbes.com (Awarded 2018). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of the year the award was issued.
2019-2023 Forbes America's Top Wealth Advisors
Source: Forbes.com (Awarded 2019-2023). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of the year the award was issued.
Securities Agent: CA, WV, NV, NE, MN, CT, AZ, WY, WI, VT, VA, TX, TN, NC, MO, KY, IN, DC, OH, NY, MT, AR, RI, NM, FL, CO, GA, VI, AL, AK, MA, ID, IA, SD, NJ, MS, MD, IL, UT, SC, PA, OK, ND, MI, ME, LA, HI, DE, WA, PR, OR, NH, KS; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1482498
NMLS#: 1482498
About Amy Wood
Amy Wood is an Executive Director, Private Wealth Advisor, and Partner in the Vinder Group at Morgan Stanley. Amy has over 25 years of experience in the financial services industry. Prior to joining the Vinder Group, Amy spent 20 years in the Institutional Equity Division at Morgan Stanley where she was responsible for covering some of the firm’s most sophisticated clients across multiple products and investment solutions. She brings extensive institutional and capital markets experience to the team.
Amy provides comprehensive wealth management services to our clients, advising them on asset allocation, financial planning, and diversification strategies. She also provides ancillary support in lending, insurance, hedging strategies, family office resources, and philanthropy management. With her institutional background and experience covering hedge fund clients, Amy also focuses on alternative investing for the team.
Amy is a CERTIFIED FINANCIAL PLANNER and holds the distinctions of Alternative Investments Director and Senior Portfolio Manager. She is also a Family Wealth Director, enabling her to provide guided access to experienced professionals across a broad range of family office disciplines including generational planning and wealth transfer. She is also a Council Member of Women in Wealth: LIFT, an advisory and business development network of Morgan Stanley women dedicated to supporting peers to help achieve business success.
Amy graduated cum laude from Boston College with a BA in Economics. Amy lives in New York City with her husband, three children, and her dog.
Disclaimers:
Asset Allocation and Diversification do not guarantee a profit or protect against loss in a declining financial market.
The term “Family Office Resources” is being used as a term of art and not to imply that Morgan Stanley and/or its employees are acting as a family office pursuant to Investment Advisers Act of 1940.
Amy provides comprehensive wealth management services to our clients, advising them on asset allocation, financial planning, and diversification strategies. She also provides ancillary support in lending, insurance, hedging strategies, family office resources, and philanthropy management. With her institutional background and experience covering hedge fund clients, Amy also focuses on alternative investing for the team.
Amy is a CERTIFIED FINANCIAL PLANNER and holds the distinctions of Alternative Investments Director and Senior Portfolio Manager. She is also a Family Wealth Director, enabling her to provide guided access to experienced professionals across a broad range of family office disciplines including generational planning and wealth transfer. She is also a Council Member of Women in Wealth: LIFT, an advisory and business development network of Morgan Stanley women dedicated to supporting peers to help achieve business success.
Amy graduated cum laude from Boston College with a BA in Economics. Amy lives in New York City with her husband, three children, and her dog.
Disclaimers:
Asset Allocation and Diversification do not guarantee a profit or protect against loss in a declining financial market.
The term “Family Office Resources” is being used as a term of art and not to imply that Morgan Stanley and/or its employees are acting as a family office pursuant to Investment Advisers Act of 1940.
Securities Agent: TX, HI, PR, SC, NJ, MA, KY, ND, MS, IA, AL, WI, VT, SD, OR, OH, WY, UT, NE, MN, AR, MO, LA, KS, ID, DE, DC, CT, CO, AZ, RI, PA, OK, NM, NH, MT, MD, WA, VI, TN, NY, NC, IN, GA, CA, AK, WV, VA, NV, ME, FL, MI, IL; General Securities Representative; Investment Advisor Representative
NMLS#: 1959850
NMLS#: 1959850
About Eddie Horta
A member of The Vinder Group for over 15 years, Eddie Horta works with the team’s ultra high net worth clients to address a broad spectrum of their investing and financial planning needs. Eddie’s responsibilities include the development of customized financial plans, customized reporting, and model portfolio trading. He also serves as the team’s point person in providing access to lending solutions. Eddie holds the Series 7 and 66 licenses.
Eddie began his career at Smith Barney after graduating from Marist College in 2005 with a Bachelor of Science in Finance. He is fluent in Portuguese, and he enjoys traveling and spending time his wife and two children. Eddie and his family live in Westchester County, New York.
*This role cannot solicit or provide investment advice
Eddie began his career at Smith Barney after graduating from Marist College in 2005 with a Bachelor of Science in Finance. He is fluent in Portuguese, and he enjoys traveling and spending time his wife and two children. Eddie and his family live in Westchester County, New York.
*This role cannot solicit or provide investment advice
About Costas Liappas
Costas Liappas brings over 15 years of experience to the service of the team’s ultra high net worth clients. Costas’ primary focus is on estate planning strategies, and he oversees the development and implementation of business plan strategies and day-to-day client service activities. Costas holds the Series 7 and 66 licenses.
Costas graduated from Hobart and William Smith Colleges in 2004 with Bachelor of Arts in Economics and a minor in International Relations. He speaks Greek fluently and is an avid athlete. Costas plays NYC Corporate League Basketball and enjoys golf and boating. He lives in New York City with his wife and child.
Costas graduated from Hobart and William Smith Colleges in 2004 with Bachelor of Arts in Economics and a minor in International Relations. He speaks Greek fluently and is an avid athlete. Costas plays NYC Corporate League Basketball and enjoys golf and boating. He lives in New York City with his wife and child.
About Sal Glorioso
Sal joined the Vinder group in August 2022 and has been working within the Fixed Income space for over a dozen years covering institutional, middle markets, and high net worth retail accounts. He previously held roles as a US Treasury trader and most recently as a Municipal Bond salesperson here at Morgan Stanley since 2018. Sal’s responsibilities include the development of tailor-made Fixed Income investment solutions across a variety of asset classes.
Sal currently holds FINRA Series 7, 63, 52, 3, and 66 licenses. He began his financial services career at Citigroup after graduating from the University of Rhode Island with a Bachelor of Science in Business Administration & Management. He currently lives on Long Island, New York with his wife and two children.
Sal currently holds FINRA Series 7, 63, 52, 3, and 66 licenses. He began his financial services career at Citigroup after graduating from the University of Rhode Island with a Bachelor of Science in Business Administration & Management. He currently lives on Long Island, New York with his wife and two children.
About Zack Wells
Zack Wells joined The Vinder Group with several years of experience with Morgan Stanley as an operations and client service professional. Zack's primary focus is client onboarding and new accounts, client communication, and coordinated team projects. Zack holds the Series 7 and 66 licenses.
Zack graduated from Fisher College of Business at The Ohio State University in 2016, with a Bachelor of Science in Business Administration, specializing in Finance. Zack golfs, skis, and plays basketball in his free time. Zack lives in New Jersey with his wife and two children, and enjoys playing golf, weight training, and cooking for his family in his free time.
Zack graduated from Fisher College of Business at The Ohio State University in 2016, with a Bachelor of Science in Business Administration, specializing in Finance. Zack golfs, skis, and plays basketball in his free time. Zack lives in New Jersey with his wife and two children, and enjoys playing golf, weight training, and cooking for his family in his free time.
About James Hulbert
James Hulbert joined The Vinder Group in January 2023 and focuses his efforts on supporting the team’s daily operations as well as client communication. Prior to Morgan Stanley, James worked on a Wealth Management team at Merrill Lynch. He holds the Series 7 and 66 licenses.
James graduated from the University of Richmond with a Bachelor of Science in Business Administration with a concentration in Finance. He then received a Master of Science in Business Analytics from the University of Notre Dame. James was a pitcher on the baseball team at both schools. He currently lives in Manhattan and enjoys playing golf, pickleball, and running in his free time.
James graduated from the University of Richmond with a Bachelor of Science in Business Administration with a concentration in Finance. He then received a Master of Science in Business Analytics from the University of Notre Dame. James was a pitcher on the baseball team at both schools. He currently lives in Manhattan and enjoys playing golf, pickleball, and running in his free time.
About Eric Kirchner, CFP®*
Eric Kirchner joined the Vinder Group in January 2023 after spending time in Morgan Stanley’s Wealth Management Rotational Analyst Program. While being a summer analyst in 2020 and joining the firm in the summer of 2021, he enjoyed the opportunity to work in three distinct areas of Wealth Management, learning the business from multiple angles. Eric’s responsibilities include supporting the team’s daily operations as well as documenting and organizing the team’s practices for greater efficiency. Eric holds the Series 7, 63, and 65 licenses and maintains a New York State Insurance License.
Prior to joining Morgan Stanley, Eric graduated from Villanova University in 2021 with a Bachelor’s degree in Finance and Real Estate. Eric lives in Midtown and enjoys cooking with friends while being a frequent participant in NYC Footy soccer leagues.
*This role cannot solicit or provide investment advice
Prior to joining Morgan Stanley, Eric graduated from Villanova University in 2021 with a Bachelor’s degree in Finance and Real Estate. Eric lives in Midtown and enjoys cooking with friends while being a frequent participant in NYC Footy soccer leagues.
*This role cannot solicit or provide investment advice
About Ryann Tracy
Ryann Tracy joined the Vinder Group in February 2024 and focuses her efforts on supporting Ron’s daily operations as well as ensuring the team's internal and external communications run smoothly.
Prior to joining Morgan Stanley, Ryann graduated from the Honors College at the College of Charleston with a Bachelor of Science in Marketing. Ryann was born on Long Island and currently lives in Williamsburg, Brooklyn. Outside of work, she enjoys tennis and the beach.
Prior to joining Morgan Stanley, Ryann graduated from the Honors College at the College of Charleston with a Bachelor of Science in Marketing. Ryann was born on Long Island and currently lives in Williamsburg, Brooklyn. Outside of work, she enjoys tennis and the beach.
About Camila Hoz De Vila
Camila Hoz de Vila joined the Vinder Group at Morgan Stanley Private Wealth Management in September 2024 after completing Morgan Stanley's Wealth Management Rotational Program. In the Rotational Program, Camila spent time with three teams across the Wealth Management division gaining exposure to different opportunities in the industry. On the Vinder Group, Camila focuses on supporting the team's daily operations as well as providing exceptional client service. Camila holds the Series 7 and 66.
Prior to joining Morgan Stanley, Camila graduated from the University of Maryland in 2022 with a Bachelor's degree in Finance and Marketing. Camila lives in Manhattan with friends and enjoys playing tennis.
Prior to joining Morgan Stanley, Camila graduated from the University of Maryland in 2022 with a Bachelor's degree in Finance and Marketing. Camila lives in Manhattan with friends and enjoys playing tennis.
About Sofia Laffont
Sofia Laffont joined the Vinder Group in February 2025 after starting her career at Morgan Stanley in January 2024. She serves as a financial advisor, working closely with clients to build personalized investment strategies and estate plans tailored to their long-term financial and life goals, drawing on a disciplined and relationship driven approach. She holds the Series 7 and 66 licenses, as well as insurance licenses in Alaska, Massachusetts, New Jersey, New York, Vermont, and Wyoming.
Sofia graduated from the University of Southern California in 2023 with a Bachelor’s degree in Economics. Originally from New York City, she has five brothers and enjoys snowboarding and volleyball in her free time.
Sofia graduated from the University of Southern California in 2023 with a Bachelor’s degree in Economics. Originally from New York City, she has five brothers and enjoys snowboarding and volleyball in her free time.
Securities Agent: RI, FL, MD, IL, HI, AZ, AL, WV, SD, NM, KY, ID, VA, OH, NY, NV, NJ, IN, IA, AK, MO, MA, PA, NC, CO, WI, SC, PR, OK, CA, TN, NH, MT, MS, KS, GA, CT, AR, WA, UT, NE, ND, MI, ME, LA, DC, WY, VT, OR, DE, VI, TX, MN; General Securities Representative; Investment Advisor Representative
About Cal Vinder
Cal joined Morgan Stanley in 2020 through the Wealth Management Home Office Rotational Program. Most recently, he was part of the Alternative Investment Product Development & Origination team, where he focused on the Hedge Fund and Insurance Dedicated Fund platforms. In this role, Cal negotiated deals with premier Managers and helped launched Funds availability to Financial Advisors.
During his time in the rotational program, Cal worked on the Workplace Solutions Group, supporting the integrations of E*TRADE & Solium, and the Investment Solutions Marketing team. He finished the program at the branch with the Polk Wealth Management team, concentrating on Alternative Investment allocations for Family Office Clients.
Born and raised in New York, Cal earned a Bachelor of Science degree from the Robert H. Smith School of Business at the University of Maryland Smith. In his spare time, Cal enjoys hiking and playing a variety of sports, especially golf.
During his time in the rotational program, Cal worked on the Workplace Solutions Group, supporting the integrations of E*TRADE & Solium, and the Investment Solutions Marketing team. He finished the program at the branch with the Polk Wealth Management team, concentrating on Alternative Investment allocations for Family Office Clients.
Born and raised in New York, Cal earned a Bachelor of Science degree from the Robert H. Smith School of Business at the University of Maryland Smith. In his spare time, Cal enjoys hiking and playing a variety of sports, especially golf.
Securities Agent: NY, AZ, WA, SD, NV, NJ, ND, NC, ME, IN, FL, VT, IL, DE, CO, WI, TX, TN, MO, MD, ID, WV, VA, PA, OK, NH, MS, IA, NM, HI, CT, AL, VI, MN, MI, PR, OR, NE, MA, DC, AK, WY, RI, OH, LA, KY, GA, CA, AR, UT, SC, MT, KS; General Securities Representative; Investment Advisor Representative
About Matheo Dwyer
Matheo Dwyer joined the Vinder Group in 2025 after finishing an internship with the Walker Gaffney Group in Poughkeepsie, New York.
Currently, his main role is split between client service and helping the team stay up to date with AI developments and task automation.
He graduated from Vassar College with a Bachelor's of Arts in Mathematics and a Correlate in Economics prior to joining Morgan Stanley.
In the past, Matheo worked overnight at Tradelink LLC with mathematical models and risk as a quantitative trading intern. He was also captain of his collegiate rugby team, and started his career as a bike mechanic in Chicago born to a French-American family.
He enjoys working out, taking care of his plants, and spending time with friends.
Currently, his main role is split between client service and helping the team stay up to date with AI developments and task automation.
He graduated from Vassar College with a Bachelor's of Arts in Mathematics and a Correlate in Economics prior to joining Morgan Stanley.
In the past, Matheo worked overnight at Tradelink LLC with mathematical models and risk as a quantitative trading intern. He was also captain of his collegiate rugby team, and started his career as a bike mechanic in Chicago born to a French-American family.
He enjoys working out, taking care of his plants, and spending time with friends.
Contact Ron Vinder
Contact Amy Wood
Awards and Recognition
Barron's Top 1,500 Financial Advisors: State-by-State
Barron's Top 1,500 Financial Advisors: State-by-State Source: barrons.com (Awarded Mar 2026) Data compiled by Barron's for the period October 2024 - September 2025.
Barron's Top 100 Financial Advisors
2013-2015, 2018-2025 Barron's Top 100 Financial Advisors Source: Barrons.com (Awarded 2013-2015, 2018-2025). Data compiled by Barron's based on 12-month period concluding in Dec of the year prior to the issuance of the award.
Barron's Top 1,200 Financial Advisors: State-by-State
2014-2015, 2018-2025 Barron's Top 1,200 Financial Advisors: State-by-State (formerly referred to as Barron's Top 1,000 Financial Advisors: State-by-State) Source: Barrons.com (Awarded 2014-2015, 2018-2025). Data compiled by Barron's based on 12-month period concluding in Sept of the year prior to the issuance of the award.
Barron's Top 1,000 Financial Advisors: State-by-State
2012-2013 Barron's Top 1,200 Financial Advisors: State-by-State (formerly referred to as Barron's Top 1,000 Financial Advisors: State-by-State) Source: Barrons.com (Awarded 2012-2013). Data compiled by Barron's based on 12-month period concluding in Sept of the year prior to the issuance of the award.
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Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks.
1Asset Allocation does not assure a profit or protect against loss in declining financial markets.
2Investing in the market entails the risk of market volatility. The value of all types of investments may increase or decrease over varying time periods. The returns on a portfolio consisting primarily of sustainable or impact investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability and impact criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria.
3Morgan Stanley Smith Barney LLC and its affiliates and their employees (including Financial Advisors and Private Wealth Advisors) are not in the business of providing tax or legal advice. These materials and any statements contained herein should not be construed as tax or legal advice. Individuals should consult their personal tax advisor or attorney for matters involving taxation and tax planning and their attorney for matters involving personal trusts and estate planning.
4Tailored Lending is a loan/line of credit product offered by Morgan Stanley Private Bank, National Association, an affiliate of Morgan Stanley Smith Barney LLC. A Tailored Lending credit facility may be a committed or demand loan/line of credit. All Tailored Lending loans/lines of credit are subject to the underwriting standards and independent approval of Morgan Stanley Private Bank, National Association. Tailored Lending loans/lines of credit may not be available in all locations. Rates, terms, and programs are subject to change without notice. Other restrictions may apply. The information contained herein should not be construed as a commitment to lend. Morgan Stanley Private Bank, National Association is a Member FDIC that is primarily regulated by the Office of the Comptroller of the Currency. The proceeds from a Tailored Lending loan/line of credit (including draws and other advances) may not be used to purchase, trade, or carry margin stock; repay margin debt that was used to purchase, trade, or carry margin stock; and cannot be deposited into a Morgan Stanley Smith Barney LLC or other brokerage account.
5Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
6Borrowing against securities may not be appropriate for everyone. You should be aware that there are risks associated with a securities based loan, including possible maintenance calls on short notice, and that market conditions can magnify any potential for loss. For details please see the important disclosures below.
Securities based loans are provided by Morgan Stanley Smith Barney LLC, Morgan Stanley Private Bank, National Association or Morgan Stanley Bank, N.A, as applicable.
Important Risk Information for Securities Based Lending: You need to understand that: (1) Sufficient collateral must be maintained to support your loan(s) and to take future advances; (2) You may have to deposit additional cash or eligible securities on short notice; (3) Some or all of your securities may be sold without prior notice in order to maintain account equity at required maintenance levels. You will not be entitled to choose the securities that will be sold. These actions may interrupt your long-term investment strategy and may result in adverse tax consequences or in additional fees being assessed; (4) Morgan Stanley Bank, N.A., Morgan Stanley Private Bank, National Association or Morgan Stanley Smith Barney LLC (collectively referred to as “Morgan Stanley”) reserves the right not to fund any advance request due to insufficient collateral or for any other reason except for any portion of a securities based loan that is identified as a committed facility; (5) Morgan Stanley reserves the right to increase your collateral maintenance requirements at any time without notice; and (6) Morgan Stanley reserves the right to call securities based loans at any time and for any reason.
With the exception of a margin loan, the proceeds from securities based loan products may not be used to purchase, trade, or carry margin stock (or securities, with respect to Express CreditLine); repay margin debt that was used to purchase, trade or carry margin stock (or securities, with respect to Express CreditLine); and cannot be deposited into a Morgan Stanley Smith Barney LLC or other brokerage account.
To be eligible for a securities based loan, a client must have a brokerage account at Morgan Stanley Smith Barney LLC that contains eligible securities, which shall serve as collateral for the securities based loan.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Asset Allocation does not assure a profit or protect against loss in declining financial markets.
The securities/instruments, investments and investment strategies discussed on this website may not be suitable for all investors. The appropriateness of a particular investment or investment strategy will depend on an investor's individual circumstances and objectives. The views and opinions expressed on this website may not necessarily reflect those of Morgan Stanley Smith Barney LLC (“Morgan Stanley”). This website and its associated content are intended for U.S. residents only.
Morgan Stanley and its Private Wealth Advisors do not provide tax or legal advice. Visitors to this website should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
Morgan Stanley Private Wealth Advisers may only transact business in states where they are registered or excluded or exempted from registration. Transacting business, follow-up and individualized responses involving either effecting or attempting to effect transactions in securities, or the rendering of personalized investment advice for compensation, will not be made to persons in states where Morgan Stanley Private Wealth Advisers are not registered or excluded or exempt from registration.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
See the Financial Advisors Biographies for Registration and Licensing information.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
Investment Management Consultants Association, Inc. owns the marks CIMA®, Certified Investment Management Analyst® (with graph element)®, and Certified Investment Management Analyst® .
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
Life insurance, disability income insurance, and long-term care insurance are offered through Morgan Stanley Smith Barney LLC's licensed insurance agency affiliates.
Lifestyle Advisory Services: Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Private Bankers are employees of Morgan Stanley Private Bank, National Association.
Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Awards Disclosures | Morgan Stanley
1Asset Allocation does not assure a profit or protect against loss in declining financial markets.
2Investing in the market entails the risk of market volatility. The value of all types of investments may increase or decrease over varying time periods. The returns on a portfolio consisting primarily of sustainable or impact investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability and impact criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria.
3Morgan Stanley Smith Barney LLC and its affiliates and their employees (including Financial Advisors and Private Wealth Advisors) are not in the business of providing tax or legal advice. These materials and any statements contained herein should not be construed as tax or legal advice. Individuals should consult their personal tax advisor or attorney for matters involving taxation and tax planning and their attorney for matters involving personal trusts and estate planning.
4Tailored Lending is a loan/line of credit product offered by Morgan Stanley Private Bank, National Association, an affiliate of Morgan Stanley Smith Barney LLC. A Tailored Lending credit facility may be a committed or demand loan/line of credit. All Tailored Lending loans/lines of credit are subject to the underwriting standards and independent approval of Morgan Stanley Private Bank, National Association. Tailored Lending loans/lines of credit may not be available in all locations. Rates, terms, and programs are subject to change without notice. Other restrictions may apply. The information contained herein should not be construed as a commitment to lend. Morgan Stanley Private Bank, National Association is a Member FDIC that is primarily regulated by the Office of the Comptroller of the Currency. The proceeds from a Tailored Lending loan/line of credit (including draws and other advances) may not be used to purchase, trade, or carry margin stock; repay margin debt that was used to purchase, trade, or carry margin stock; and cannot be deposited into a Morgan Stanley Smith Barney LLC or other brokerage account.
5Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
6Borrowing against securities may not be appropriate for everyone. You should be aware that there are risks associated with a securities based loan, including possible maintenance calls on short notice, and that market conditions can magnify any potential for loss. For details please see the important disclosures below.
Securities based loans are provided by Morgan Stanley Smith Barney LLC, Morgan Stanley Private Bank, National Association or Morgan Stanley Bank, N.A, as applicable.
Important Risk Information for Securities Based Lending: You need to understand that: (1) Sufficient collateral must be maintained to support your loan(s) and to take future advances; (2) You may have to deposit additional cash or eligible securities on short notice; (3) Some or all of your securities may be sold without prior notice in order to maintain account equity at required maintenance levels. You will not be entitled to choose the securities that will be sold. These actions may interrupt your long-term investment strategy and may result in adverse tax consequences or in additional fees being assessed; (4) Morgan Stanley Bank, N.A., Morgan Stanley Private Bank, National Association or Morgan Stanley Smith Barney LLC (collectively referred to as “Morgan Stanley”) reserves the right not to fund any advance request due to insufficient collateral or for any other reason except for any portion of a securities based loan that is identified as a committed facility; (5) Morgan Stanley reserves the right to increase your collateral maintenance requirements at any time without notice; and (6) Morgan Stanley reserves the right to call securities based loans at any time and for any reason.
With the exception of a margin loan, the proceeds from securities based loan products may not be used to purchase, trade, or carry margin stock (or securities, with respect to Express CreditLine); repay margin debt that was used to purchase, trade or carry margin stock (or securities, with respect to Express CreditLine); and cannot be deposited into a Morgan Stanley Smith Barney LLC or other brokerage account.
To be eligible for a securities based loan, a client must have a brokerage account at Morgan Stanley Smith Barney LLC that contains eligible securities, which shall serve as collateral for the securities based loan.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Asset Allocation does not assure a profit or protect against loss in declining financial markets.
The securities/instruments, investments and investment strategies discussed on this website may not be suitable for all investors. The appropriateness of a particular investment or investment strategy will depend on an investor's individual circumstances and objectives. The views and opinions expressed on this website may not necessarily reflect those of Morgan Stanley Smith Barney LLC (“Morgan Stanley”). This website and its associated content are intended for U.S. residents only.
Morgan Stanley and its Private Wealth Advisors do not provide tax or legal advice. Visitors to this website should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
Morgan Stanley Private Wealth Advisers may only transact business in states where they are registered or excluded or exempted from registration. Transacting business, follow-up and individualized responses involving either effecting or attempting to effect transactions in securities, or the rendering of personalized investment advice for compensation, will not be made to persons in states where Morgan Stanley Private Wealth Advisers are not registered or excluded or exempt from registration.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
See the Financial Advisors Biographies for Registration and Licensing information.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
Investment Management Consultants Association, Inc. owns the marks CIMA®, Certified Investment Management Analyst® (with graph element)®, and Certified Investment Management Analyst® .
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
Life insurance, disability income insurance, and long-term care insurance are offered through Morgan Stanley Smith Barney LLC's licensed insurance agency affiliates.
Lifestyle Advisory Services: Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Private Bankers are employees of Morgan Stanley Private Bank, National Association.
Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Awards Disclosures | Morgan Stanley
CRC 4677197 (7/2025)
